Save on 2013 Toyota Prius v Insurance Quotes

Want the cheapest insurance rates for your Toyota Prius v? Have you finally had enough of scraping nickels together to pay high insurance rates every month? You are in the same boat as millions of other consumers. Due to the fact that there are so many choices of insurance companies, it can be impossible to pick the most cost effective insurance provider.

It’s important to compare premium rates before your policy renews because rates are constantly changing. Even if you think you had the lowest rate for Prius v coverage last year you will most likely find a better price today. Ignore everything you know about insurance because you’re going to learn the fastest way to reduce your cost while increasing coverage.

Buying car insurance is easy if you know what you’re doing. If you are paying for car insurance now, you should be able to lower your premiums substantially using this information. Consumers just need to understand the tricks to get comparison rates over the internet.

How to compare car insurance quotes

Most of the larger companies such as Progressive, Allstate and GEICO provide insurance quotes from their websites. Getting online rates is fairly simple as all you need to do is type in into the form. After the form is submitted, their system sends out for your driving and credit reports and gives you a price quote. Quoting online makes it a lot easier to compare rates but the time it takes to visit each company’s website and repetitively enter the same data into a form is a big time waster. But it’s necessary to compare as many rates as possible in order to find a lower rate.

The preferred way to find cheaper rates makes use of a single form that gets price quotes from multiple companies. It’s a real time-saver, helps eliminate reptitive entry, and makes online price comparison a lot less work. As soon as you send your information, it is quoted and you can choose any one of the price quotes you receive. If you find a better price you can click and sign and purchase the new policy. This process just takes a couple of minutes and can result in significant savings.

To compare rates using this form now, click here to open in new window and enter your vehicle and coverage information. If you have your current policy handy, we recommend you copy deductibles and limits as close as possible to your current policy. Using the same limits helps guarantee you will receive an apples-to-apples comparison for the exact same coverage.

Lower rate quotes with discounts

Some insurance providers don’t always advertise the entire discount list very clearly, so we break down both the well known in addition to some of the lesser obvious discounts that you may qualify for.

  • No Charge for an Accident – This one isn’t a discount, but some insurance companies permit an accident without getting socked with a rate hike with the catch being you have to be claim-free before the accident.
  • Anti-lock Brake System – Vehicles with ABS and/or traction control have fewer accidents and qualify for as much as a 10% discount.
  • Military Rewards – Being deployed with a military unit could be rewarded with lower rates.
  • Driving Data Discount – Insureds who allow companies to monitor driving patterns remotely such as State Farm’s In-Drive could possibly reduce rates if they have good driving habits.
  • Student Discounts – Getting good grades could provide a savings of up to 20% or more. Earning this discount can benefit you up until you turn 25.
  • College Student – Any of your kids who attend college more than 100 miles from home and do not have access to a covered vehicle may be able to be covered for less.
  • Homeowners Pay Less – Owning your own home or condo may trigger a policy discount on auto insurance because maintaining a house is proof that your finances are in order.
  • Theft Prevention System – Cars equipped with anti-theft or alarm systems are stolen less frequently and will save you 10% or more.
  • Driver’s Education for Students – Require your teen driver to successfully complete driver’s ed class in school.
  • Early Switch Discount – A few insurance companies give discounts for switching companies before your current expiration date. It could save around 10% when you buy car insurance online.

One thing to note about discounts is that most of the big mark downs will not be given to the overall cost of the policy. A few only apply to specific coverage prices like liability, collision or medical payments. So when it seems like having all the discounts means you get insurance for free, you’re out of luck. But any discount will definitely lower the amount you have to pay.

To view auto insurance companies with significant discounts, follow this link.

What is the best insurance coverage coverage?

When it comes to choosing coverage, there is no best way to insure your cars. Everyone’s needs are different so this has to be addressed. For instance, these questions can aid in determining whether or not you may require specific advice.

  • Does my policy cover my teen driver if they drive my company car?
  • What can I do if my company denied a claim?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • When should I drop full coverage on my 2013 Toyota Prius v?
  • What vehicles should carry emergency assistance coverage?
  • Will my vehicle be repaired with OEM or aftermarket parts?
  • Where can I find high-risk insurance?
  • Does medical payments coverage apply to all occupants?
  • How much underlying liability do I need for an umbrella policy?

If it’s difficult to answer those questions, then you may want to think about talking to an agent. To find lower rates from a local agent, take a second and complete this form or click here for a list of insurance coverage companies in your area. It’s fast, free and can provide invaluable advice.

Car insurance coverage information

Having a good grasp of a insurance policy aids in choosing appropriate coverage and proper limits and deductibles. Insurance terms can be ambiguous and even agents have difficulty translating policy wording. Listed below are the usual coverages found on the average insurance policy.

Auto liability

Liability insurance can cover damages or injuries you inflict on a person or their property in an accident. This coverage protects you against other people’s claims. It does not cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have policy limits of 50/100/50 which stand for a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property.

Liability insurance covers things like bail bonds, repair costs for stationary objects and medical expenses. How much liability should you purchase? That is a personal decision, but you should buy as much as you can afford.

Uninsured Motorist or Underinsured Motorist insurance

This coverage protects you and your vehicle’s occupants from other motorists when they either are underinsured or have no liability coverage at all. Covered losses include injuries to you and your family and also any damage incurred to your Toyota Prius v.

Because many people only carry the minimum required liability limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is important protection for you and your family.

Auto collision coverage

This coverage will pay to fix damage to your Prius v resulting from colliding with another car or object. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims such as crashing into a ditch, crashing into a building, scraping a guard rail, colliding with a tree and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from lower value vehicles. You can also bump up the deductible to bring the cost down.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses for EMT expenses, nursing services, dental work and rehabilitation expenses. The coverages can be used to fill the gap from your health insurance program or if there is no health insurance coverage. Medical payments and PIP cover you and your occupants and will also cover getting struck while a pedestrian. Personal injury protection coverage is not available in all states but can be used in place of medical payments coverage

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things like hitting a deer, fire damage, damage from a tornado or hurricane and hail damage. The highest amount you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Comments About 2013 Toyota Prius v Insurance

  1. Classie Raymond

    It’s all a rip off. Lifelong resident of Atlanta, Georgia. Checked online prices for a 2013 Toyota Prius v. Ended up at about $350 savings annually. Went with Allstate. Was with 21st Century. I got a quote from their website.

  2. Bunny Douglas

    Cheap is not always the best policy. From northwest of Rutland, VT. Quoted a bunch of companies. Saved right around $50 a month. Progressive was the cheapest option for me. Left The General to switch.

  3. Valrie Miles

    I live in a small town just outside of Bangor, Maine. Quoted a bunch of companies. Saved darn near $40 a month. Allstate was the cheapest option for me. Thankfully I’m not a high risk driver. It never hurts to quote around.

  4. Machelle Casey

    IT’S ALL TOO EXPENSIVE! From northwest of Miami, FL. Compared quite a few companies. Saved roughly $50 a month. GEICO was the best choice for me. Was with Encompass. Still almost need a second mortgage.

  5. Candelaria Stevens

    Got a quote with AAA for my 2013 Toyota Prius v and am saving around $310 a year. Was with Allstate. God forbid I actually have a claim.

  6. Sharan Rivera

    For me, 21st Century was by far the cheapest in Knoxville, TN.

  7. Dorothy Potts

    In Biloxi, MS, Allstate is a good choice. Insured with Western Auto Insurance before. Even increased my liability limits. I used their website to get prices.

  8. Benny Cotton

    Nice info. I live on the east side of Cedar Rapids, IA. Compared quite a few companies. Saved roughly $70 a month. Allstate was the cheapest for me. Thankfully I have a good driving record. Hardly afford to drive anymore.

  9. Marcie Stein

    I live just to the north of Wichita, Kansas. Went online for free insurance quotes for a 2013 Toyota Prius v. Ended up at about $340 savings annually. Went with Allstate. I get a discount for insuring multiple vehicles. I got prices on the web.

  10. Lorine Reyes

    If you have a clean record and live in the vicinity of Tampa, Florida, check out Progressive. They seem to be cheaper.

  11. Margarette Humphrey

    I live just outside New Haven, CT. Quoted prices online for a 2013 Toyota Prius v. Ended up at about $110 savings annually. Went with Allstate. I have a teen driver too.